Essex County and Montclair Township property record for 38 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 2,345 sqft · built 1953 |
| Lot Size | 0.197 acres (8,580 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $999,000 (Jul 2025) |
| Tax Bill | $18,160 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-03310-0000-00033 |
| Primary APN | 13-03310-0000-00033 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,345 sqft Living Area |
| 1st Floor Area | 2,345 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 8,580 sqft (0.197 acres) |
| Lot Dimensions | 156 ft deep x 55 ft wide |
| Old Parcel Number | 130331000033 |
|---|---|
| Street Address | 38 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 55X156 IRR |
| Legal Subdivision | TOWNSHIP/MONTCLAIR |
| Legal Block | 3310 |
| Legal Lot Number | 33 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 16500 |
Source: Essex County and Montclair Township records, as of July 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE, INC |
| Nov 16, 2022 | Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2025 · Amount on Record |
| Deed Sale | Jul 10, 2025 · Amount on Record |
| Prior Sale | Nov 16, 2022 · Amount on Record |
| Deed Document Number | 202542948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | May 7, 2026 |
| Property Address | 38 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4016 |
| Document Number | 0000030854 |
| Instrument Date | May 1, 2026 |
| Instrument | 202630854 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NOBLE ABSTRACT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 38 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4016 |
| Document Number | 0000030854, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 202630854 |
| Name | GUARANTEED RATE, INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Nov 16, 2022 |
| Property Address | 38 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4016 |
| Document Number | 0000100591 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 2022100591 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2022 |
| Title Company | TRIDENT LAND TRANSFER COMPANY LP, TRIDENT LAND TRANSFER CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,262.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 255 GROVE ST, MONTCLAIR, NJ 07042-4203 |
| Name | Verified Name |
|---|---|
| Address | 441 POMPTON AVE, CEDAR GROVE, NJ 07009-1802 |
| Document Number | 0000100592 |
|---|---|
| Date | Nov 16, 2022 |
| Instrument | 2022100592 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
Source: Essex County and Montclair Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Montclair Township |
| Unified School District | Montclair Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $516,500 (-) Land $243,200 Building $273,300 | $516,500 (-) Land $243,200 Building $273,300 | |
| 2025 | $18,160.00 (+3.32%) | $516,500 (-) Land $243,200 Building $273,300 | $516,500 (-) Land $243,200 Building $273,300 |
| 2024 | $17,576.00 (+12.07%) | ||
| 2023 | $516,500 Land $243,200 Building $273,300 | $516,500 Land $243,200 Building $273,300 | |
| 2022 | $15,683.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2007 · Severe Storms And Inland And Coastal Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONTCLAIR WATER BUREAU serves 40,150 people · EPA ID NJ0713001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 578 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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